FunanceNet pay you can actually recognise
Gross salary in, take-home out, shown monthly and fortnightly, with the marginal rate you are actually on. For couples it is calculated per partner, because Australia taxes individuals, not households.
Personal finance app for Australian householdsBuilt on Australian rules, not converted from American ones.
Most finance apps are international products with the currency symbol swapped. Funance is built around the ATO, the states and the super system, because those are the rules that actually decide what you keep.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login
There is a specific frustration in using a budgeting app that does not know what HECS is. Or one that calls superannuation a 401(k), assumes tax is filed jointly, and has no idea that buying a house in Victoria costs a different amount to buying the same house in Queensland.
The gap is not cosmetic. If the tax engine is wrong, every downstream number is wrong: your net pay, your savings rate, your debt-free date, whether a salary sacrifice is worth it. An app that gets Australian tax approximately right is not a planning tool, it is a spreadsheet with a nicer font.
Funance starts from the Australian rules and works outwards.
| Rule | Handled |
|---|---|
| ATO marginal brackets, 2026-27 | Yes |
| Low Income Tax Offset, including phase-out | Yes |
| Medicare levy, including the phase-in band | Yes |
| HECS-HELP repayment thresholds | Yes |
| Per-partner calculation for couples | Yes |
| Stamp duty by state | All 8, detailed rates for VIC, NSW, QLD, WA |
| First home buyer concessions | VIC, NSW, QLD |
| Super Guarantee and concessional caps | Yes |
2026-27 rules. An estimate for planning, not tax advice.
See it with your own numbers
Every account starts with 14 days of Pro, no card. Keep it for $79 a year, or carry on with the free plan.
How it works
What that changes in practice
Decisions that depend on the bracket
Salary sacrifice, concessional carry-forward, whether an extra shift is worth it after the levy. These only work if the bracket underneath them is right.
State-aware property maths
Stamp duty is a state tax and the differences are large. Deposit, duty, LMI and repayments are modelled against the state you are actually buying in, with detailed bracket tables for VIC, NSW, QLD and WA and an approximation elsewhere.
No bank linking, ever
You enter the numbers you already know. No open banking consent, no credential sharing, no feed that breaks the week you need it. When you want real spending figures, import the CSV statement your bank already lets you download: it is read on your device, never uploaded, and fills in what you actually spent.
Included on the free plan
- Overview, Budget and Debts tabs
- The Australian tax estimator
- Local storage on your own device
- Bank statement import (CSV), read on your device
- Renewals for insurance, rego and energy, with the rise on last year
- Family Tax Benefit and Child Care Subsidy estimates
- PDF export, no card required
Questions
Before you start
What is a personal finance app?
An app that keeps your money in one place so you can see it and plan with it. Most do one of two jobs. Trackers pull in your bank transactions and show where the money went. Planners model what happens next: tax, super, the mortgage, a debt-free date. Funance is a planner built on Australian rules.
Is there a free personal finance app in Australia?
Yes. Frollo is free with no paid tier, and every big four bank app includes spending categories at no cost. Funance has a free plan covering the Overview, Budget and Debts tabs and the Australian tax estimator, with no card required.
Which personal finance app is best in Australia?
It depends on the job. Frollo for free automatic tracking, PocketSmith for forecasting account balances, YNAB or Goodbudget for envelope budgeting, and Funance for Australian tax, super, HECS and property decisions. Our comparison on the blog goes through each one, with prices, and says when a competitor is the better pick.
Is Funance actually built in Australia?
Yes. Funance is built and run independently in Melbourne, and every calculation is written against Australian rules rather than adapted from an overseas product.
Which tax year does the app use?
The tax engine uses the 2026-27 ATO brackets, including the Low Income Tax Offset phase-out and the Medicare levy phase-in band. Figures are estimates for planning purposes and are not tax advice.
Does it connect to my bank?
No, deliberately. Funance never asks for banking credentials, so there is no open banking consent and no third party holding your login. You enter the numbers you already know, or import the CSV statement your bank already lets you download. The file is read on your device and never uploaded.
Related
Related tools and guides
Budget planner Australia
Put in your pay and your bills. See what is really left in each of the next twelve months, including the ones where rego, insurance and the water bill all land at once.
Budget planner for Australians →Net worth calculator Australia
Income tells you what came in. Net worth tells you whether any of it stayed. It is the single most useful number a household can track, and almost nobody tracks it.
Net worth calculator →Superannuation projection calculator
Super is the largest asset most Australians will ever own and the one they look at least. A projection turns an abstract balance into a number you can do something about while there is still time.
Superannuation projection calculator →Know where your money goes.
Know where you're going.
Every account starts with 14 days of Pro, no card needed. Keep it for $79 a year, or carry on with the free plan: Overview, Budget and Debts, for good. No bank login either way.
14 days of Pro free, no card · then the free plan, or $79 a year · no bank login